Cheap Florida Car Insurance

Find affordable insurance that works for you in Florida. Compare quotes from over 100 top companies.

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The best car insurance companies in Florida

Each car insurance company advertises its low costs. But as with any product or service, the most affordable car insurance policy isn't always the best option. Considering the financial stakes, it's worthwhile to do the due diligence to find a policy that will cover your car adequately in the event of an accident. Work to find the best value, rather than settling for the most affordable auto insurance you find.

Compare top auto insurance companies' financial strength and claims satisfaction ratings to better understand the level of service they might provide.

The below ratings are sourced from J.D. Power and AM Best, and The Zebra's own auto insurance customer satisfaction survey. 


Insurance CompanyClaims Satisfaction (J.D. Power)Customer Satisfaction (J.D. Power)Financial Strength (AM Best)Customer Satisfaction (The Zebra)
AAABelow averageAverageExcellent4.2/5
AllstateAbove averageAverageSuperior4.3/5
Liberty MutualBelow averageAbove averageGood4.2/5
MetLifeExcellentBelow averageExcellentN/A
ProgressiveBelow averageBelow averageExcellent4.3/5
State FarmAbove averageAbove averageSuperior4.5/5
TravelersBelow averageBelow averageSuperior4.3/5



The cheapest car insurance companies in Florida

What's the cheapest car insurance in Florida?
RankCompany NameAvg. Annual Premium
3State Farm$1,834
621st Century$2,360

Compare quotes from dozens of insurance companies in Florida by entering your ZIP code below.

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Cheap auto insurance in Florida — for good drivers

Good drivers can save money on car insurance! Insurance companies use your driving record as a way to predict what kind of risk you pose. Without at-fault accidents, speeding tickets or DUIs on your record, you are a less risky and more affordable customer for an insurance company compared to a motorist with a driving history of car accidents and citations.

In addition to cheaper premiums, some companies offer good driver discounts. While the amount of insurance discount varies based on your company, it can range between 5 and 10%. If we’re looking beyond just average rates and at individual companies, Nationwide seems to have the cheapest rates for good drivers.

Rating Factor$ Savings% Savings
No Traffic Tickets$63027.29%
No Accidents$39216.96%
Good Credit$1,39547.56%


Cheap car insurance in Florida — for new drivers

Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. For teen drivers, historically the most expensive drivers to insure, we’ve found that GEICO, Progressive, and Liberty Mutual are the cheapest companies.

AgeAnnual Rate with ParentsAnnual Rate Alone


Affordable Florida car insurance — for bad drivers

Having a bad driving record can be a huge burden for getting cheap car insurance — no matter your location. In Florida in 2019, a DUI raised rates an average of $1,085 a year. Other violations, such as an at-fault accident or a speeding ticket will also hurt your driving record. Based on our research, if you’ve had a DUI or at-fault accident, your best bet for cheap car insurance is to shop with Liberty Mutual, State Farm, or Nationwide.

Rating FactorAnnual Rate% Increase
At-Fault Accident$3,17837.64%
Speeding Violation$2,88825.08%
Bad Credit$4,32947.56%



Florida auto insurance laws

What insurance coverage do I need in Florida?

State minimum insurance requirements in Florida are as follows:

  • Property damage liability (PDL) - $10,000
  • Personal injury protection (PIP) - $10,000

Optional car insurance coverages in Florida — varying by carrier — include:

  • Bodily injury liability
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

If you opt for the minimum required coverage in Florida, be prepared to pay an average of $1,102 each year. This exceeds the national average by 77%. If you want a higher standard of coverage, select an auto insurance policy with additional coverage like comprehensive and collision coverages to insure against the costs of car-versus-car collisions, auto theft, or weather incidents.

However, better coverage comes at a price. In Florida, a comprehensive insurance policy with a $1,000 deductible costs $2,164, 96% more than basic insurance coverage. For comprehensive insurance coverage with a $500 deductible, Florida drivers can expect to pay 133% more than you would for a liability insurance-only policy.

Analyze average rates for basic, better, and best insurance coverage levels in the table below or read more about coverage requirements in the state of Florida.


Comprehensive — $1,000 Deductible
Comprehensive — $500 Deductible
National Average

How tickets change auto insurance rates in Florida

When you receive a ticket your car insurance rates will probably go up. How much your rates rise depends on the violation, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at average auto insurance rates in Florida after a few common citations.


ViolationAvg. Annual RateRate Increase (%)Rate Increase ($)
Hit and Run$3,50752%$1,198
Refused Breathalyzer/Chemical Test$3,16537%$856
Reckless Driving$3,50752%$1,198
Driving with a Suspended License$3,50752%$1,198
At-Fault Accident$3,17838%$869
Driving with an Open Container$2,90626%$597
Operating a Vehicle Without Permission$2,92727%$618
Passing a School Bus$2,90626%$597
Improper Passing$2,90626%$597
Following Too Closely$2,88225%$574
Failure to Stop at a Red Light$2,90626%$597
Illegal Turn$2,90626%$597
Driving Wrong Way/Wrong Lane$2,90626%$597
Failure to Yield$2,90626%$597
Speeding in a School Zone$2,88825%$579
Driving Too Slowly$2,88825%$579
Distracted Driving$2,88225%$574
Driving with Expired Registration$2,56011%$252
Failure to Show Documents$2,56011%$252
Not-at-Fault Accident$2,4938%$184
Failure to Use Child Safety Restraint$2,3321%$24
Failure to Wear a Seat Belt$2,3321%$24
Driving Without Lights$2,3090%$0

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Florida car insurance FAQs


Who has the cheapest car insurance in Florida?

Our data shows USAA is the cheapest insurance company in Florida at $507 for a six-month policy, or $84/month. The best way to find the cheapest car in Florida is to compare auto insurance quotes from as many companies as possible. Use our comparison tool to see rates in Florida for your driving profile.

Is Florida a no-fault state for car insurance?

Yes, Florida is a no-fault state. This means if you're injured in a crash, you're required to cover your own bodily injury payments — regardless of fault.

Why is car insurance so expensive in Florida?

Auto insurance companies charge higher-than-average rates in many parts of Florida due to the increased likelihood of claims and the state's relatively high share of uninsured drivers. When comparing car insurance rates in Florida, consider uninsured motorist coverage as an add-on.

How much does car insurance cost in Florida cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Gainesville, Florida, and the most expensive in West Palm Beach, Florida.

RankCityAvg. Annual Premium
1West Palm Beach$3,187
4Miami Gardens$3,048
6Coral Springs$2,981
8Pompano Beach$2,900
9Miami Beach$2,897
11Fort Lauderdale$2,786
13Pembroke Pines$2,705
14St. Petersburg$2,703
17Port St. Lucie$2,386
18Spring Hill$2,341
22Palm Bay$2,084
24Cape Coral$2,026

Recent Florida Car Insurance Questions and Answers

Can a married couple have separate car insurance policies?

Yes, you can have two separate policies. This can have its benefits in some cases.

Can a lender dictate what my deductible is?

Unfortunately, the terms of your loan can dictate what your coverage deductibles must be. Your lienholder may not necessarily notice right away if you change your deductible, but if they catch on they will add force-placed insurance, also known as collateral protection insurance, as a part of your monthly payments.

Should I have filed a claim?

Many times people will do this to protect themselves from getting charged for an at fault accident. There is not necessarily anything wrong with this as long as you take proper steps to protect yourself.

Will my insurance decrease after my PIP claims expire?

A Personal Injury Protection (PIP) claim, will impact your rates for up to three years. Unfortunately, in Florida, there have been many fraudulent PIP claims that have caused the cost of insurance to rise, especially when you do have a PIP claim.

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, and Kin Insurance.